Lender in New York · HMDA 2025
Metro City Bank mortgages in New York
Metro City Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Metro City Bank originated 450 owner-occupied single-family loans in New York from 493 completed applications.
Its median conventional purchase loan costs were $11,460 versus $5,990 for all New York lenders.
Loans in NY
450
of 493 applications
Denial rate
2.7%
Purchase · NY 9.5%
Rate spread
+1.97 pts
Conv. · NY +0.07 pts
Loan amount
$445,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 478 | 440 | 2.7% | — | +1.97 pts | $11,460 | $445,000 |
| Refinance | 9 | 5 | — | — | — | — | — |
| Cash-out refinance | 6 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Metro City Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richmond County | 10 | 90 | 2.7% |
| Queens County | 15 | 154 | 1.8% |
| Kings County | 20 | 79 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology